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Milwaukee Car Insurance

How much does car insurance cost in Milwaukee? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Milwaukee?

Milwaukee, Wisconsin is a midwestern city known for its old-world grandeur, unique architecture and coastal views along the Great Lakes. The town played a significant role in America's beer brewery industry. It is also home to two competitive sports teams, the Milwaukee Bucks and Milwaukee Brewers. The city also has a 20-acre Harley Davidson Museum that chronicles the 100-year history of the motorcycle maker.

Residents who live in the town can use the Milwaukee County Transit System (MCTS) to ride across town, but it's always nice to have a car to explore everything the city has to offer.

Are you a Milwaukee resident looking for low-cost insurance coverage for your vehicle? SmartFinancial can help you find an affordable policy that fits your needs and budget.

In this article, you'll learn about the auto insurance requirements in Milwaukee.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Wisconsin has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Milwaukee typically pay around $122.95 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Wisconsin $91.19
Milwaukee, Wisconsin $122.95

Milwaukee, WI Best Car Insurance Companies

car insurance in Milwaukee

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Milwaukee coming in around $60.35 per month. Other companies to consider if you live in Milwaukee is State Farm with an average cost of $104.09 per month and SECURA Insurance which typically runs around $104.66 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Milwaukee.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $60.35-33.82%
2 State Farm $104.0914.15%
3 SECURA Insurance $104.6614.78%
4 Erie $111.1521.89%
5 SAFECO $112.5923.48%
6 American Family $116.5027.76%
7 Auto-Owners Insurance Co $119.3430.88%
8 West Bend Mutual $121.7533.52%
9 Partners Mutual Insurance Co $122.3334.16%
10 Rockford Mutual Insurance $142.4056.17%

How Much is Car Insurance in Milwaukee, WI?

how much is auto insurance in Milwaukee

Rates can vary from city to city. The residents of Appleton typically pay $74.48 per month while people who live in Green Bay will pay $74.97 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Wisconsin CitiesMonthly Average Rate
Appleton $74.48
Green Bay $74.97
Madison $84.65
Milwaukee $123.68
Racine $102.00

Cheap Car Insurance in Milwaukee by Zip Codes

find cheap auto insurance in Milwaukee

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Wisconsin. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Milwaukee, WI ZIP CodeAverage Monthly Rate
53202$112.75
53203$72.34
53204$148.21
53205$144.53
53206$153.60
53207$84.96
53208$137.05
53209$125.93
53210$141.51
53211$122.12
53212$135.77
53213$82.81
53214$107.42
53215$105.61
53216$133.84
53217$111.15
53218$146.11
53219$91.59
53220$86.77
53221$99.24
53222$99.52
53223$123.97
53224$133.49
53225$126.37
53226$81.53
53227$95.36
53228$89.75
53233$199.82
53235$77.74

Car Insurance Rates by Driver's Age Group in Milwaukee

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $229.21 per month in Milwaukee. Compare that to drivers in their 30’s who typically pay around $120.13 per month drivers in their 40s at $105.92 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$229.21
20s$173.10
30s$120.13
40s$105.92
50s$86.39
60s$80.02
70+$90.46

Cheapest Insurance for Teenage Drivers in Milwaukee

If you are teen in Milwaukee you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $109.10 per month. This is likely the most affordable option in Milwaukee. You might also want to consider SECURA Insurance and Erie who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$109.10
SECURA Insurance$175.47
Erie$186.03
Partners Mutual Insurance Co$193.03
State Farm$206.07

Cheapest Insurance for 20 Year-olds in Milwaukee

20 year-olds in Milwaukee might want to consider USAA who, on average, offers car insurance rates around $74.66 per month. SECURA Insurance , State Farm , Erie and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$74.66
SECURA Insurance$136.51
State Farm$140.20
Erie$148.56
American Family$151.85

Cheapest Insurance for 30 Year-olds in Milwaukee

If you are in your 30s in Milwaukee our research has found that USAA typically has the most affordable coverage coming in around $56.34 per month, followed by State Farm at $90.67 and SECURA Insurance at $92.65.

CompanyAverage Monthly Rate
USAA$56.34
State Farm$90.67
SECURA Insurance$92.65
SAFECO$98.93
Erie$100.64

Cheapest Insurance for 40 Year-olds in Milwaukee

On average, USAA offers car insurance for 40 year-olds in Milwaukee for around $55.53 per month. If you are looking for affordable coverage, you may also want to consider State Farm or SECURA Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$55.53
State Farm$93.49
SECURA Insurance$93.71
Erie$96.65
American Family$99.06

Cheapest Insurance for 50 Year-olds in Milwaukee

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Milwaukee we found that USAA generally offers the most affordable coverage at $48.52 per month.

CompanyAverage Monthly Rate
USAA$48.52
State Farm$82.34
SAFECO$84.52
SECURA Insurance$85.12
Auto-Owners Insurance Co$88.30

Cheapest Insurance for 60 Year-olds in Milwaukee

If you live in Milwaukee and you’re in your 60s, our data indicates that USAA usually has the best rates at $50.78 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$50.78
SAFECO$66.58
State Farm$84.12
SECURA Insurance$90.61
Erie$92.23

Driver's Coverage Auto Insurance Rates in Milwaukee, WI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Milwaukee, the average monthly rate for a driver who is currently insured is $94.37 while drivers who are not currently covered will pay around $158.67.

CoverageAverage Monthly Rate
Not Currently Insured $158.67
Currently Insured $94.37

Compare Recent Car Insurance Quotes in Milwaukee

auto insurance quotes in Milwaukee city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Milwaukee a driver of a 2014 Honda Cr-V can expect to pay around $254.58 per month while someone that owns a 2014 Honda Cr-V may pay around $222.89 per month. Check out the list of recent quotes in Milwaukee below.

VehicleAverage Monthly Rate
2014 Honda Cr-V$254.58
2014 Honda Cr-V$222.89
2014 Honda Cr-V$248.18
2014 Honda Cr-V$219.28
2021 Honda Hr-V$129.77
2021 Honda Hr-V$107.39
2021 Honda Hr-V$136.33
2021 Honda Hr-V$142.51
2017 Lexus Rx$221.73
2017 Lexus Rx$290.41

FAQ's for Drivers in Milwaukee, WI

driver’s frequently asked question in Milwaukee

What Is the Minimum Amount of Liability Coverage Requirement in Milwaukee?

According to the Wisconsin Department of Transportation, drivers must have a liability policy with adequate insurance. The minimum limits are:

  • Bodily Injury Liability Coverage: $25,000 (one person)
  • Bodily Injury Liability Coverage (two or more people): $50,000
  • Property Damage Liability Coverage: $10,000

Wisconsin's minimum requirements may not provide enough coverage if you're at-fault in a car wreck. You may need additional insurance, especially if you have expensive assets. SmartFinancial can help you find affordable car insurance to protect you in case the worst happens. Enter your zip code and fill out a brief form to get started. There's no fee to compare quotes and you're not obligated to buy or even put down a credit card.

What Is the Blood Alcohol Concentration (BAC) Limit in Milwaukee?

According to the State of Wisconsin Department of Transportation, Driving Under the Influence means you had alcohol, drugs or other illegal substances in your system while operating an automobile. In Wisconsin, drivers can receive an Operating While Intoxicated (OWI) conviction if they have the following blood alcohol concentration (BAC):

  • Blood/Breath Alcohol Concentration of 0.08 percent or greater while under the influence of an intoxicant
  • Driving with a detectable amount of restricted controlled substance in his or her blood
  • Driving Under the Influence of a controlled substance or other drugs
  • Zero Tolerance (drivers under 21 years old)
  • Drivers with Three or more OWI Convictions: .02 BAC

If you have an OWI or DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find a more forgiving insurer that offers lower insurance rates. Start your free search by entering your zip code and filling out the form on our page.

Can I Register My Car Without Insurance in Milwaukee?

Yes, you can register your car before you buy car insurance in Milwaukee. There is no requirement in Wisconsin to provide proof of insurance when you get a driver's license or register your vehicle. Individuals must produce this information only when the DMV asks for it. The state also requires it when drivers reinstate their licenses after a suspension or revocation.

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Commute Time in Milwaukee, WI

22.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Milwaukee, WI

1017

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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